Comprehensive authentication and identity system and method

ABSTRACT

A comprehensive authentication and identity system and method are disclosed. A central profile is created for a user which includes user information that can be passed back or otherwise utilized by websites (e.g. for registrations, logins, etc.) The user information may include the user&#39;s username, password, contact information, personal information, marketing preferences, financial information, etc. For website registrations, the user may provide a mobile communication number that is utilized to perform a type of mobile communication device verification process. As part of a website login, the user may provide identifiable information (e.g. a username) that is looked up by the system or website to determine a mobile communication number for the user, which is used for a verification process. If the verification process is completed successfully, the user may be logged into the website. For accessing the system directly, a user may go through a mobile communication device verification process.

CROSS-REFERENCE TO RELATED APPLICATION(S)

This application is a continuation of U.S. patent application Ser. No.13/627,612, entitled “COMPREHENSIVE AUTHENTICATION AND IDENTITY SYSTEMAND METHOD” and filed on Sep. 26, 2012, the disclosure of which isincorporated herein by reference in its entirety.

BACKGROUND

One challenge for individuals transacting on the World Wide Web is thatseparate credentials are typically needed (typically a unique user nameand password) for each website that is visited. The use of separatecredentials requires individuals to store a variety of usernames andpasswords. All too often people write down passwords on a piece of paperor store them in a word processing document on their computer, whichmakes the passwords vulnerable to identity thieves. Several companieshave attempted to develop solutions to this problem. For example, acompany named LastPass allows a consumer to store all of his or herpasswords in one place and then allows for an expedited login processusing the LastPass application. One drawback with LastPass's defaultsettings is that if someone breaches the consumer's local computer andLastPass account, they will be able to break into all of the accountsthat are stored within the LastPass user's encrypted vault. A similarproblem arises when an individual uses the same username and passwordacross various websites. If one website is breached by a hacker, thehacker may be able to use the stolen credentials across a variety ofother sites. As an example of the potential severity of what mightoccur, Zappos.com had as many as 24 million usernames and passwordcombinations breached in early 2012 which could have led to many otherwebsites being accessed under stolen username/password combinations. Andmore recently, attacks based on social engineering can be used to resetaccount passwords where only public information is leveraged to obtainaccount access. This type of attack led to one Apple user's entire groupof devices being remotely wiped of all of his information,

Another problem with current solutions for registering with websites isthe challenge that a user faces to quickly and easily complete theregistration process. While tools like “auto fill” in website browsersalleviate some registration issues, they don't help if a computer isshared with other users or if some of the data that needs to be enteredfor registration purposes is confidential and/or sensitive. For example,in most cases a user would not want an auto filler tool storing theircredit card number.

The problems associated with managing login credentials have beenrecognized by a U.S. government program called “The National Strategyfor Trusted Identities in Cyberspace (NSTIC)” which strives to “improveupon the passwords currently used to log-in online.” The NSTIC reporthighlights that “a contributing factor is the unmanageable number ofpasswords people must remember to access their online accounts. Manypeople don't even try; they just re-use the same ones for all of theiraccounts, making it that much easier for identity thieves”(www.nist.gov/nstic/index.html). Additionally, prior art systems likeOpenID allow a person to use one set of credentials to log onto otherwebsites (e.g., Yahoo or Facebook). While this indicates that a userdoesn't have to keep track of as many credentials, it still results in asituation where if someone breaches those credentials then they wouldhave access to multiple accounts belonging to a user. The NSTIC goes onto state that the new identity systems should be “faster, moreconvenient, safer, private, and voluntary.” Accordingly, there is a needfor a comprehensive identity system that allows easy and secureregistration and access to websites while maintaining a high level ofsecurity.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 is a diagram of a suitable environment in which a comprehensiveauthentication and identity system operates.

FIG. 2 is a flow diagram depicting a process by which a user registerswith a website using the system.

FIGS. 3A-3C are diagrams of screenshots of a representative interfacepresented to a user at a website during the registration process of FIG.2.

FIG. 4 is a flow diagram depicting a process by which a user isauthenticated for a login to a website using the system.

FIGS. 5A-5C are diagrams of screenshots of a representative interfacepresented to a user at a website during the login process of FIG. 4.

FIG. 6 is a flow diagram depicting a process that is implemented by thesystem to respond to requests by a user to register and/or login thatare made at a website.

FIG. 7 is a flow diagram depicting a process by which a user is able toaccess their personal information that is contained in a stored profile.

FIG. 8 is a diagram of a screenshot of a representative interfacepresented to a user by the system to display the profile information ofFIG. 7.

DETAILED DESCRIPTION

A system and method are disclosed that allow a user to quickly andeasily register across multiple websites in a secure fashion using amobile communication number. In certain embodiments, the mobilecommunication number may be a phone number, a mobile device ID (e.g., aninternational mobile equipment identity (IMEI) number), an integratedcircuit card identifier (ICCID), an electronic serial number (ESN), amobile equipment identifier (MEID), an user identity module identifier(UIMID), an international mobile subscriber identity (IMSI), a uniformresource identifier (URI), an electronic numbering domain (ENUM), etc.As part of the registration process, the user is prompted to enter amobile communication number, which is then utilized to send averification message to the user's mobile communication device (e.g. acell phone or other communication device, etc.). The user then performsa verification action in order to successfully complete the mobilecommunication device verification. The verification message may includea verification code, and the verification action may comprise the userentering the verification code into the website. It will be appreciatedthat one of the purposes of the verification process is to prove thatthe person has possession or control of their mobile communicationdevice, which is a separate channel than where the login is occurring.The use of two channels provides greater confidence that the useraccessing the website is not using hacked or stolen credentials or otherpersonal information. Once the mobile communication device verificationhas been successfully completed, the system provides informationassociated with the user to the website. The information is stored bythe system in a user profile that as is associated with the user. Theprovided information may include the user's desired credentials (e.g.username and password), contact information, personal information,marketing preferences, financial information (e.g. credit card numbers,bank account numbers, etc.), or any other information that the user mayhave pre-authorized the system to provide to the website. In someinstances, the website may require information that the user has notpre-authorized, in which case a request may be made to the user toauthorize the release of the additional information and/or if the userdoes not wish to release the additional information, the user may beinformed that the transaction can not be completed. For differentwebsites, the information provided to each website may be specified bythe user and may vary on a website-by-website basis. The providedinformation may be used by the receiving website to create or populate anew user account, and the user may then be allowed to access thewebsite.

In some embodiments, once a user is registered with a website, thesystem allows the user to easily login to the website on repeat visits.When performing a login, the user is prompted to provide identifiableinformation (e.g. a username and password, etc.). The website thenrequests that the system verify the user through a mobile communicationdevice verification process. As part of the process, the website orsystem associates the entered user information with a mobilecommunication number in a database (e.g., in a stored user profile). Theidentified mobile communication number is then used by the system toverify the identity of the user using a mobile communication deviceverification. As part of the mobile communication device verification, averification message is sent to the user's mobile communication device,in response to which the user must perform a verification action inorder to successfully complete the mobile communication deviceverification. In one embodiment, the verification message includes averification code and the verification action comprises the userentering the verification code into the website. As another example, theverification action may comprise a user pressing a button (e.g. aphysical button or an application button on the screen) of the mobilecommunication device in order to confirm that the user has possession orcontrol of the mobile communication device. Once the mobilecommunication device verification has been successfully completed, theuser is allowed to access the website.

In some embodiments, the system allows a user to access and edit theirpersonal information that is contained in a stored user profile. A userprofile may be automatically created by the system based onpublicly-available information about a mobile communication numberassociated with an individual. That is, prior to a user accessing thesystem, the system may pre-generate a user profile based onpublicly-available information associated with a mobile communicationnumber of the user. A user is able to manage their profile by accessingthe system via a website provided by the system administrator andcompleting the mobile communication device verification. Morespecifically, when a user requests access to a profile, the user isprompted to enter a mobile communication number associated with theuser's mobile communication device. A mobile communication deviceverification is then performed by which the mobile communication numberis utilized to send a verification message to the user's mobilecommunication device. In response to the verification message, the userperforms a verification action in order to successfully complete themobile communication device verification. Once the mobile communicationdevice verification has been successfully completed, the user is allowedto access the profile. Certain information from the profile may beutilized for or provided to websites (e.g., for registrations, logins,etc.) by the system.

Various implementations of the invention will now be described. Thefollowing description provides specific details for a thoroughunderstanding and an enabling description of these implementations. Oneskilled in the art will understand, however, that the invention may bepracticed without many of these details. Additionally, some well-knownstructures or functions may not be shown or described in detail, so asto avoid unnecessarily obscuring the relevant description of the variousimplementations. The terminology used in the description presented belowis intended to be interpreted in its broadest reasonable manner, eventhough it is being used in conjunction with a detailed description ofcertain specific implementations of the invention.

FIG. 1 and the following discussion provide a brief, general descriptionof a suitable computing environment 100 in which a comprehensiveauthentication and identity system is implemented. The computingenvironment 100 includes a mobile communication device 105 and apersonal computing device 110, through which a user may access a servercomputer 115 and one or more third party server computers 125. Theserver computers 115 and 125 utilize data storage areas 120 and 130,respectively. As will be described in more detail herein, theauthentication and identity system may in part reside on the servercomputer 115, and assist with the authentication and identity of a userwho is utilizing a personal computer 110 to access websites provided bythe third party server computers 125. The data storage area 120 containsdata utilized by the authentication and identity system, and, in someimplementations, software necessary to perform functions of the system.For example, the data storage area 120 may contain data associated witha user, such as a mobile communication number associated with a user'smobile communication device 105. As will be described in more detailherein, as part of an authentication process, the system utilizes themobile communication number for sending a verification message to theuser's mobile communication device 105.

The mobile communication device 105, personal computer 110, servercomputer 115 and third party server computers 125 communicate with eachother through one or more public or private, wired or wireless networks140, including, for example, the Internet. The mobile communicationdevice 105 communicates wirelessly with a base station or access pointusing a wireless mobile telephone standard, such as the Global Systemfor Mobile Communications (GSM), Long Term Evolution (LTE), IEEE 802.11,or another wireless standard, and the base station or access pointcommunicates with the server computer 115 and third party servercomputers 125 via the networks 140. Computers 110 communicate throughthe networks 140 using, for example, TCP/IP protocols. The mobilecommunication device 105 utilizes applications or other software, whichoperate through the use of computer executable instructions. Some suchapplications may be directed toward the mobile communication deviceverification process (e.g. providing a button on the screen for a userto press as part of completing a mobile device verification process). Aswill be described in more detail herein, the authentication and identitysystem residing at least in part on the server computer 115 may alsoutilize software which operates through the use of computer-executableinstructions as part of the authentication and identity process.

Although not required, aspects and implementations of the invention willgenerally be described in the general context of computer-executableinstructions, such as routines executed by the mobile communicationdevice 105, the personal computer 110, the server computer 115, thethird party server computers 125, or other computing systems. Theinvention can also be embodied in a special purpose computer or dataprocessor that is specifically programmed, configured, or constructed toperform one or more of the computer-executable instructions explained indetail herein. Indeed, the terms “computer” and “computing device,” asused generally herein, refer to devices that have a processor andnon-transitory memory, like any of the above devices, as well as anydata processor or any device capable of communicating with a network.Data processors include programmable general-purpose or special-purposemicroprocessors, programmable controllers, application-specificintegrated circuits (ASICs), programmable logic devices (PLDs), or thelike, or a combination of such devices. Computer-executable instructionsmay be stored in memory, such as random access memory (RAM), read-onlymemory (ROM), flash memory, or the like, or a combination of suchcomponents. Computer-executable instructions may also be stored in oneor more storage devices, such as magnetic or optical-based disks, flashmemory devices, or any other type of non-volatile storage medium ornon-transitory medium for data. Computer-executable instructions mayinclude one or more program modules, which include routines, programs,objects, components, data structures, and so on that perform particulartasks or implement particular abstract data types.

The system and method can also be practiced in distributed computingenvironments, where tasks or modules are performed by remote processingdevices, which are linked through a communications network, such as aLocal Area Network (“LAN”), Wide Area Network (“WAN”), or the Internet.In a distributed computing environment, program modules or subroutinesmay be located in both local and remote memory storage devices. Aspectsof the invention described herein may be stored or distributed ontangible, non-transitory computer-readable media, including magnetic andoptically readable and removable computer discs, stored in firmware inchips (e.g., EEPROM chips). Alternatively, aspects of the invention maybe distributed electronically over the Internet or over other networks(including wireless networks). Those skilled in the relevant art willrecognize that portions of the invention may reside on a servercomputer, while corresponding portions reside on a client computer. Datastructures and transmission of data particular to aspects of theinvention are also encompassed within the scope of the invention.

FIG. 2 is a flow diagram depicting a process 200 by which a userregisters with a website using the system. As shown in FIG. 2, at ablock 210, a user accesses a website (e.g., a social networking site, ane-commerce site, etc.) and makes a request to register with the website.At a block 220, rather than filling out an online form with theircontact information, the user is prompted to enter a mobilecommunication number. After entry of the mobile communication number,the user clicks “register” or manipulates a similar control to initiatethe registration process. At a block 230, the website operates inconjunction with the system (i.e., the website either makes a servicecall to the system or incorporates modules that interact with thesystem) to perform a mobile communication device verification that isassociated with a user. A representative type of mobile communicationdevice verification, such as a phone verification that may beimplemented by the system, is described in U.S. patent application Ser.No. 11/538,989, entitled “Registration, Verification, and NotificationSystem” filed Oct. 5, 2006, which is hereby incorporated by reference inits entirety. It will be appreciated that in various embodiments othertypes of mobile communication device verifications may also beperformed.

At a decision block 240, a determination is made as to whether themobile communication device verification has been successfullycompleted. If the verification has been successfully completed, then theprocess continues to a block 250. If the verification has not beensuccessfully completed, then the process returns to the block 220.

At the block 250, the system provides information associated with theuser to the website. The provided information may include the user'sdesired credentials (e.g., username and password), contact information,personal information, marketing preferences, financial information(e.g., credit card numbers, bank account numbers), or any otherinformation that the user may have pre-authorized the system to provideto the website, depending on the individual requirements of the systemor website. In some instances, the website may require information thatthe user has not pre-authorized, in which case a request may be made tothe user to authorize the release of the additional information and/orif the user does not wish to release the additional information, theuser may be informed that the transaction can not be completed. Fordifferent websites, the information provided to each website may bespecified by the user and may vary on a website-by-website basis. Theinformation provided by the system may be encrypted or transmitted via asecure link to ensure that the information is only accessible to therecipient website. At a block 260, the user information may be stored aspart of a new user account, and the user allowed access to the website.In some embodiments, the system transmits a confirmation (e.g., a codeor key) to the website to indicate that the user should be grantedaccess to the website. In certain implementations, rules regardingwhether or not the website can store the user's information and therestrictions on use of the information are decided by the system, by theuser, or by both user the and system settings.

FIGS. 3A-3C are diagrams of screenshots 300A-300C of a representativeinterface presented to the user at a website during the registrationprocess of FIG. 2. As shown in FIG. 3A, the user has accessed thewebsite and is presented with a request 310 to enter a mobilecommunication number in a box 315 order to register with the website. Inaddition, using radio buttons 320 the user is allowed to select whetherthey would like the verification process to be initiated via an SMSmessage or via a voice call. The user then presses a “submit” button325. In some embodiments, the user may receive either a message or avoice call on their mobile communication device (e.g. a phone) via theprocess described in the '989 application, previously incorporatedherein by reference, although it will be appreciated that otherverification processes may also be utilized by the system.

As part of the mobile communication device contact, the user is providedwith a verification code on the user's mobile device, as shown in FIG.3B by the illustration of the mobile communication device 330. The useris asked by the website in a message 335 to enter the verification codein a box 340. In the depicted case, the verification code is a threedigit numeric code (i.e., “342”), but any type of alphanumeric or othercode may be provided to the user. After entry of the verification code,the user selects the “login” button 345. Once the website has verifiedthe user, the system provides the website with information associatedwith the user. Such information may include desired credentials,personal information, marketing preferences, financial information, etc.As shown in FIG. 3C, the website then grants the user access to thewebsite, including a “welcome” message 350, and an option to select a“continue” button 355 to proceed to additional website functionality.

While the process of FIGS. 2 and 3A-3C is described as being applicableto a registration process, the disclosed system and method is equallyapplicable to a single interaction that a user may have with a website,such as a purchase transaction. Rather than registering with thewebsite, the user may have the system transmit sufficient information tothe website so that the website can complete a desired transaction. Suchinformation might include, for example, credit card information,shipping information, shipping preferences, etc. The website may use thereceived information for the selected transaction, and then discard orotherwise delete the received information.

Several advantages arise from use of the disclosed system and method.One advantage is the extra layer of security that is gained by the useravoiding having to re-enter sensitive information. Once a mobilecommunication device verification is successfully completed using thesystem, the user's corresponding information may be transmitted in asecure fashion from the system to the website. Doing so minimizes thelikelihood that the information may be inadvertently compromised by theuser or website during manual data entry by the user. Another advantageis that the disclosed system prevents a user from having to fill outregistration forms every time they have to register at a new website.Still another advantage is that personal information, financialinformation, marketing preferences, etc. could all be stored with thesystem, which prevents the user from having to manage numerous disparateaccounts and allows for an expedited and secure registration process atmultiple websites.

FIG. 4 is a flow diagram depicting a process 400 by which a user isauthenticated for a login to a website using the system. It will beappreciated that in a traditional login process, a user is required toenter their username and password whenever they want to login to awebsite, In contrast, as will be described in more detail herein, thedisclosed system and method allows a user to authenticate for a websiteusing a mobile communication device verification process. As shown inFIG. 4, at block 410, a login page is provided to a user of a website.At a block 420, rather than entering their username and password, theuser is asked by the website to enter their username, their mobilecommunication number, and/or other kind of identifiable piece ofinformation. For example, the website might provide an interfacerequesting that the user enter their username and click “login.”

At a block 430, the website requests that the system verify the userthrough a mobile communication device verification process. For themobile communication device verification process, the website or systemassociates the entered piece of information from the user with a mobilecommunication number that is stored in a user profile. That mobilecommunication number is then used by the system to verify the identityof the user using the mobile communication device.

In some embodiments, the verification process sends a voice or SMSmessage with a one-time pin code to the user via the mobilecommunication device. The user then enters the one time pin code intothe website to prove that they have possession of that mobilecommunication device, In some embodiments, other methods of mobilecommunication device verification may be implemented by the system. Forexample, rather than entering the code into the website, the user mayhit a button on their mobile communication device which confirms to thesystem that the person has possession of the mobile communicationdevice. The button may be a dedicated button on the mobile communicationdevice, may be a virtual button presented by an application on themobile communication device, or may be an existing button that causes amessage to be sent in response to a message sent to the user. Forexample, the system may send an SMS message to the user which asks theuser to confirm that they are attempting to login to a particularwebsite. In response, the user may send an SMS message to the systemthat confirms that they are responsible for the login attempt. Foradditional security, the user may be requested to respond to a questionwhich only they would know the answer to. For example, the user may berequired to identify the site that they are currently attempting toaccess.

At a decision block 440, a determination is made as to whether themobile communication device verification process has been successfullycompleted. If the verification has been successfully completed, then theprocess continues to a block 470, where the user is allowed access tothe website. If the verification has not been successfully completed,then the process continues to a decision block 450.

At the decision block 450, a determination is made as to whether amaximum number of retries have been reached. If a maximum number ofretries has not been reached, then the process returns to the block 420.If a maximum number for retries has been reached, then the processcontinues to a block 460, where the user is denied access to thewebsite.

FIGS. 5A-5C are diagrams of screenshots 500A-500C of a representativeinterface presented to a user at a website during the login process ofFIG. 4. As shown in FIG. 5A, the user has accessed the website and ispresented with the request to enter their username in a box 510 and topress a “login” button 515. Based on the entered username, the websiteor the system retrieves the mobile communication number associated withthe username. The system then uses the mobile communication number toperform a mobile communication device verification process. As describedwith respect to FIG. 4, in different embodiments, different methods ofmobile communication device verification may be utilized (e.g. utilizinga voice or SMS message with a one-time PIN code, utilizing either aphysical or application button on the mobile communication device,asking a user to respond to a question, etc.).

As shown in FIG. 5B, in this particular example implementation, theverification process sends a voice or SMS message with a one-time PINcode, via a process such as that described in the previouslyincorporated '989 application. More specifically, as shown in FIG. 5B, amessage 520 requests that the user complete the login by entering theverification code (i.e. “2345”) in a box 525, after which the userclicks a “submit” button 530. In the depicted case, the verificationcode in the box 525 is a four digit numeric code, but any type of alphanumeric or other code may be provided to the user. As shown in FIG. 5C,after the user has successfully entered the correct verification code, ahome page 540 is presented to the user.

It will be appreciated that one of the purposes of the verificationprocess is to prove that the person has possession or control of theirmobile communication device, which is a separate channel than where thelogin is occurring. The use of two channels provides greater confidencethat the user accessing the website is not using hacked or stolencredentials or other personal information. Although the website maystore the person's personal information, another advantage of thedisclosed process is that the website may not be storing a username andpassword that could be stolen via a breach. Even if parties obtain themobile communication number of an individual via a leak of informationthat may be stored by the website, they would not be able to steal theidentity of individual without also somehow obtaining the actual mobilecommunication device of the individual.

Websites may offer users the choice to access the website via thetraditional method of username and password, or to login using themobile communication device verification method. Alternatively, websitescan enforce login policies that require authentication via the mobilecommunication device verification process on a one-time or a periodicbasis. For example, websites may require mobile communication deviceverification to occur on the first login by the user, or on a monthly oryearly basis by the user, etc. Mobile communication device verificationmay also be required in circumstances when the user is attempting tochange certain user settings (e.g., shipping addresses, credit cardinformation, etc), if a user is attempting to login from an unrecognizeddevice, location, or other policies enforced by an administrator.

FIG. 6 is a flow diagram depicting a process 600 that is implemented bythe system to respond to requests by a user to register and/or loginthat are made at a website using the system. As will be described inmore detail below, in the specific example embodiment of FIG. 6, themobile communication device verification process sends a voice or SMSmessage with a one-time PIN code to the user, although as noted above,in other embodiments, other mobile communication device verificationprocesses may also be utilized. As shown in the specific exampleimplementation of FIG. 6, at a block 610, a registration or loginrequest is received from the website. In certain instances, theregistration or login request may include a mobile communication numberthat was provided by the user. In other implementations, the user mayprovide a user ID or other personal information. At a block 615, if theuser provided a user ID or other personal information, the systemutilizes this information to identify a stored mobile communicationnumber that is associated with the user. At a block 620, a dynamic code(e.g. a PIN) is generated.

At a decision block 625, a determination is made as to whether a voicecall has been requested (e.g. as illustrated for the radio buttons 320of FIG. 3A). If a voice call has been requested, then the processcontinues to a block 630, where the code is transmitted to the user'smobile communication device via a voice call. If a voice call has notbeen requested, then the process continues to a block 635, where thecode is transmitted to the user's mobile communication device via an SMSmessage. It will be appreciated that in alternative implementations,other messaging channels (e.g. emails, MMS, USSD, app based, push,session based, etc.) may also be utilized by the system.

At a block 640, the system receives the code from the website that wasentered by the user. At a decision block 645, a determination is made asto whether the code was entered correctly. If the code was enteredcorrectly, then the process continues to a decision block 660, as willbe described in more detail below. If the code was not enteredcorrectly, then the process continues to a decision block 650.

At the decision block 650, a determination is made as to whether amaximum number of retries has been reached. If a maximum number ofretries has not been reached, then the process returns to the block 610.If the maximum number of retries has been reached, then the processcontinues to a block 655, where an indication is transmitted to thewebsite that the user registration or login is denied.

At the decision block 660, a determination is made as to whether thepresent request is a registration request. If the present request is aregistration request, then the process continues to a block 665, wherethe system may transmit personal information to complete theregistration process. The type or amount of personal information that istransmitted to the website may be pre-negotiated by the website, systemoperator, or user, or the system may transmit a default amount ofpersonal information. If it is determined that the original request wasnot for registration and was thus for a login to the website, then theprocess continues to a block 670, where the system transmits aconfirmation that the user should be allowed to login to the system.

FIG. 7 is a flow diagram depicting a process 700 by which a user is ableto access their personal information that is contained in a storedprofile. Profiles may be automatically created by the system based onpublicly-available information about mobile communication numbersassociated with individuals. As shown in FIG. 7, at a block 710, a useraccesses the system in order to access their profile. In one specificexample implementation, a user may be able to “claim” their profile byaccessing the system if they have previously registered with a website,otherwise, they may create a profile. At a block 720, the user isprompted to enter their mobile communication number, after which amobile communication device verification is performed.

At a decision block 730, a determination is made as to whether themobile communication device verification has been successfullycompleted. If the verification has not been successfully completed, thenthe process returns to the block 720. If the verification has beensuccessfully completed, then the process continues to a block 740, wherethe user is allowed to access the profile.

In certain implementations, the system allows the user to view andmodify certain aspects of their profile. For example, the user may beallowed to add, modify, or delete personal information, financialinformation, demographic information, brand preferences, marketingpreferences, etc. In certain other implementations, as part of theuser's profile, the system may allow the user to specify the type ofinformation to transmit to websites upon registration or login. Thesystem may allow the user to configure transfer settings on aper-website basis, on a per-category-of-website basis (e.g., to specifycertain information that may be shared with e-commerce websites andother information with financial websites), on a global basis, or on anyother configurable rule. In this fashion, the user is allowed to limitaccess to private data to only those websites that it trusts. Moreover,to the extent supported by the websites that will be receiving theinformation, the user may be able to specify restrictions on how thetransferred information might be used. For example, the user may specifythat contact information is not to be shared or transferred to others.

FIG. 8 is a diagram of a screenshot 800 of a representative interfacepresented to a user by the system to display at least some of theprofile information of FIG. 7. As shown in FIG. 8, the first page of theinterface may include a username 810 and an indication 815 that theuser's identity has been confirmed through a mobile communication deviceverification. The profile may include contact information 820, as wellas information for the other parameters described above (e.g., as may beprovided on other pages, etc.).

One advantage of the disclosed system and method is that it encouragesusers to keep personal information up to date, in that the personalinformation may only need to be updated in one central location.Moreover, by allowing a user to specify certain rules regarding transferof the information, the user is provided greater understanding andcontrol as to how such information will be disseminated.

Due to the fact that the system acts as the holder of the centralizedidentity framework, it may be more likely to be subject to attack fromhackers. The use of the mobile communication device verificationsecurity construct provides one level of protection against hacking,since the mobile communication device verification method is more securethan merely a username and password. To provide a higher level ofsecurity, however, additional levels of security may also be applied bythe system, such as commonly used techniques like biometricauthentication and device fingerprinting.

By centralizing user identities, the disclosed system and method solvesmany different user-centric problems. One advantage of the disclosedsystem and method over prior art systems like LastPass or OpenID is thatusing a mobile communication device verification as the securitymechanism makes it inherently more secure than using a username andpassword. If someone wanted access to a user's account, they would needto both know the mobile communication number associated with a user, andsteal the user's mobile communication device, which would be difficultfor a hacker at a remote terminal to do. Another advantage would be thata user would be able to securely re-use credentials for different sites,understanding that should a security breach occur, their account isstill safe, and should a change of password be necessary, they wouldonly have to do so in one location, while relying on a mobile deviceverification to make such a change.

Additional benefits of associating identities with mobile communicationnumbers such as phone numbers are numerous and are outlined in U.S. Pat.No. 8,117,106, which is hereby incorporated herein by reference in itsentirety. Some of the reasons are: a phone number is harder and moreexpensive to obtain than an email address, a phone can be classified bytype (landline, mobile, Non-Geographic VOIP) to ascertain risk (see,e.g., U.S. Pat. No. 7,945,034), and a phone number is a globalidentifier for people, as compared to a social security number that isonly applicable inside of the U.S. In addition, as outlined in the '106patent, if a person authenticates to Website A using the disclosedmethod of authentication, not only could the system pass back to WebsiteA the person's contact and payment information, but the system also canpass back the reputation of the phone number as detailed in the '106patent.

For the end user, the disclosed system and method provide an improvedexperience. The user is able to essentially bring all of their contactinformation and reputation to a website, allowing them to bypassinvasive security measures like a manual review, processes performed byprior art systems such as Verified by Visa, etc. For the merchant orwebsite, greater confidence is provided knowing that the person they aredealing with has been verified via a mobile device verification. Thedisclosed system and method thereby inhibits common fraud issues such asspam, chargebacks, identity theft, etc.

From the foregoing, it will be appreciated that specific embodiments ofthe invention have been described herein for purposes of illustration,but that various modifications may be made without deviating from thescope of the invention. For example, those skilled in the art willappreciate that the depicted flow charts may be altered in a variety ofways. More specifically, the order of the steps may be re-arranged,steps may be performed in parallel, steps may be omitted, other stepsmay be included, etc. Accordingly, the invention is not limited exceptas by the appended claims

I/we claim:
 1. A method performed by a computing system for facilitatingsecure login to a website, the method comprising: receiving, at acomputing system, a request from a website hosted by a differentcomputing system to verify an attempt by a user to login to the website,the login attempt to the website not requiring the use of a password bythe user, wherein the received request from the website includesinformation identifying the user but excludes any password associatedwith the user; determining, at the computing system, a telephone numberassociated with the user based on the received identifying information;transmitting a verification message to a mobile communication device ofthe user using the telephone number, the verification message requestingthe user to perform a verification action; receiving an indication of anaction by the user in response to the verification message; determiningwhether the action performed by the user satisfies the verificationaction requested by the verification message or does not satisfy theverification action requested by the verification message; andtransmitting a first response to the website indicating that the user isverified when the action performed by the user satisfies theverification action requested by the verification message, the firstresponse causing the user to be allowed access to the website, ortransmitting a second response to the website indicating that the useris not verified when the action performed by the user does not satisfythe verification action requested by the verification message, thesecond response causing the user to be denied access to the website. 2.The method of claim 1, further comprising maintaining at the computingsystem a previously-created account for the user that associates theidentifying information of the user with the telephone number of theuser, and wherein determining the telephone number comprises retrievingthe telephone number from the previously-created account.
 3. The methodof claim 1, wherein the identifying information is a telephone number.4. The method of claim 1, wherein the identifying information is ausername.
 5. The method of claim 1, further comprising, if the actionperformed by the user does not satisfy the verification action requestedby the verification message: transmitting a second verification messageto the mobile communication device of the user using the telephonenumber, the second verification message requesting the user to perform asecond verification action; receiving an indication of a second actionby the user in response to the second verification message; determiningwhether the second action performed by the user satisfies or does notsatisfy the second verification action requested by the secondverification message; and transmitting a third response to the websiteindicating that the user is verified when the second action performed bythe user satisfies the second verification action, the third responsecausing the user to be allowed access to the website, or transmitting afourth response to the website indicating that the user is not verifiedwhen the second action performed by the user does not satisfy the secondverification action, the fourth response causing the user to be deniedaccess to the website.
 6. The method of claim 5, wherein the user isdenied login access to the website for a period of time if the secondaction performed by the user is not the requested second verificationaction.
 7. The method of claim 1, wherein the verification messageincludes a verification code and the verification action comprisesentering the verification code into the website.
 8. A non-transitorycomputer readable storage medium with instructions stored thereon that,when executed by a computing system, perform a method for facilitatingsecure login to a website, the method comprising: receiving, at acomputing system, a request from a website hosted by a differentcomputing system to verify an attempt by a user to login to the website,the login attempt to the website not requiring the use of a password bythe user, wherein the received request from the website includesinformation identifying the user but excludes any password associatedwith the user; determining, at the computing system, a telephone numberassociated with the user based on the received identifying information;transmitting a verification message to a mobile communication device ofthe user using the telephone number, the verification message requestingthe user to perform a verification action; receiving an indication of anaction by the user in response to the verification message; determiningwhether the action performed by the user satisfies the verificationaction requested by the verification message or does not satisfy theverification action requested by the verification message; andtransmitting a first response to the website indicating that the user isverified when the action performed by the user satisfies theverification action requested by the verification message, the firstresponse causing the user to be allowed access to the website, ortransmitting a second response to the website indicating that the useris not verified when the action performed by the user does not satisfythe verification action requested by the verification message, thesecond response causing the user to be denied access to the website. 9.The non-transitory computer readable medium of claim 8, the methodfurther comprising maintaining at the computing system apreviously-created account for the user that associates the identifyinginformation of the user with the telephone number of the user, andwherein determining the telephone number comprises retrieving thetelephone number from the previously-created account.
 10. Thenon-transitory computer readable medium of claim 8, wherein heidentifying information is a telephone number.
 11. The non-transitorycomputer readable medium of c aim 8, wherein the identifying informationis a username.
 12. The non-transitory computer readable medium of claim8, the method further comprising, if the action performed by the userdoes not satisfy the verification action requested by the verificationmessage: transmitting a second verification message to the mobilecommunication device of the user using the telephone number, the secondverification message requesting the user to perform a secondverification action; receiving an indication of a second action by theuser in response to the second verification message; determining whetherthe second action performed by the user satisfies or does not satisfythe second verification action requested by the second verificationmessage; and transmitting a third response to the website indicatingthat the user is verified when the second action performed by the usersatisfies the second verification action, the third response causing theuser to be allowed access to the website, or transmitting a fourthresponse to he website indicating that the user is not verified when thesecond action performed by the user does not satisfy the secondverification action, the fourth response causing the user to be deniedaccess to the website.
 13. The non-transitory computer readable mediumof claim 12, wherein the user is denied login access to the website fora period of time if the second action performed by the user is not therequested second verification action.
 14. The non-transitory computerreadable medium of claim 8, wherein the verification message includes averification code and the verification action comprises entering theverification code into the website.